Invest Capital Investment Bank Limited (PSX:ICIBL)

PSX:ICIBL Income Statement

Financials in millions PKR. Fiscal year is July - June.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest and Dividend Income	137.46	125.63	123.56	117.73	67.08
Total Interest Expense	-	-	12.03	4.93	9.84
Net Interest Income	137.46	125.63	111.53	112.8	57.24
Gain on Sale of Investments (Rev)	34.79	18.62	-3.42	-5.06	2.71
Other Revenue	1.59	6.16	3.01	-2.45	-4.2
Revenue Before Loan Losses	173.85	150.42	111.12	105.29	55.76
Provision for Loan Losses	-10.05	-29.51	-19.65	-32.73	-39.79
Revenue	183.9	179.93	130.77	138.02	95.55
Revenue Growth (YoY)	2.21%	37.59%	-5.25%	44.45%	364.83%
Cost of Services Provided	36.61	37.29	34.95	27.28	23.88
Other Operating Expenses	0.01	0	0.01	0.01	0.01
Total Operating Expenses	40.86	37.3	39.18	27.33	27.1
Operating Income	143.04	142.63	91.59	110.69	68.45
Other Non-Operating Income (Expenses)	5.72	5.16	6.55	5.12	3.97
EBT Excluding Unusual Items	148.76	147.79	98.14	115.81	72.42
Gain (Loss) on Sale of Investments	-	0.69	-	-	-
Other Unusual Items	-	-	-	5.73	18.66
Pretax Income	150.73	148.48	99.23	121.54	91.08
Income Tax Expense	23.99	23.86	9.47	26.27	7.22
Net Income	126.74	124.62	89.76	95.27	83.86
Net Income to Common	126.74	124.62	89.76	95.27	83.86
Net Income Growth	1.70%	38.84%	-5.79%	13.61%	81.81%
Shares Outstanding (Basic)	285	285	285	285	285
Shares Outstanding (Diluted)	285	285	285	285	285
EPS (Basic)	0.44	0.44	0.32	0.33	0.29
EPS (Diluted)	0.44	0.44	0.32	0.33	0.29
EPS Growth	1.70%	38.84%	-5.79%	13.61%	81.81%
Free Cash Flow	81.14	104.97	60.05	98.23	158.55
Free Cash Flow Per Share	0.28	0.37	0.21	0.34	0.56
Operating Margin	77.78%	79.27%	70.04%	80.20%	71.64%
Profit Margin	68.92%	69.26%	68.64%	69.03%	87.76%
Free Cash Flow Margin	44.12%	58.34%	45.92%	71.17%	165.93%
Effective Tax Rate	15.91%	16.07%	9.55%	21.61%	7.93%
Revenue as Reported	173.85	150.42	123.15	110.22	65.6

Source: S&P Global Market Intelligence. Capital Markets template. Financial Sources.